topic Re: Applying advice in Credit Card Applications

Applying advice

Anonymous — Sun, 27 Nov 2016 14:57:25 GMT

Hello everyone and thanks in advance . Long story short I tried the pre approval page on both AMEX and Chase and both says no offers available .

Should I still apply even when I did not get pre approved ?

I reside in Michigan EX 718 - TU 710 - EQ 650

Thanks all for your help .

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 15:06:56 GMT

Yes. I've never gotten a pre approval for any credit card and I have both Discover and Amex

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 15:29:10 GMT

Thank you ! I might just give it a shot

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 16:03:05 GMT

I'd say you're in good shape score wise to get a card from either amex or Chase

Re: Applying advice

azguy13 — Sun, 27 Nov 2016 16:24:08 GMT

Do you have any previous relationship with Chase? Chase will import your info into their internal scoring system and a positive current or previous relationship will definitely help. I had banked with them for years when I applied for the CSP when it came out and I was given a $10K CL with higher income but about a 680 FICO middle score.

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 16:26:41 GMT

I do bank with them too .I use square , they deposit money to my account almost daily so my checking is very active . I did apply for Chase Freedom but got the

We need to review your application a little longer.

We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.''

Re: Applying advice

azguy13 — Sun, 27 Nov 2016 16:32:52 GMT

@Anonymous wrote:
I do bank with them too .I use square , they deposit money to my account almost daily so my checking is very active . I did apply for Chase Freedom but got the
''
We need to review your application a little longer.

We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.''

I hope everything comes back positive. If not, you can always call and recon. You may have to go item through item on your credit report but people do have success. Also, I forgot to say this earlier; welcome to the forum. Just about everything you want to know is tucked away in a thread on this forum.

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 16:40:36 GMT

Thank you ! Credit is fine except this EQ refusing to remove some public record . Shall see what happens anyways

Re: Applying advice

comingthisway — Sun, 27 Nov 2016 18:22:55 GMT

I'd say go ahead and call the recon line. I was in the same boat as you this time last week. I had applied for Amex PRG and CSP and had been shown the same 'We're reviewing you application...' message.
Searched through the forums here to see what to do and saw alot of people calling the back door numbers right away and getting approved on the spot.
I did the same and got approved for both the PRG (NSPL) and CSP (15K). My scores were a bit higher(750-780) but my credit history is less than 2 years old and I had never dealt with Chase or Amex before.
Best of luck!

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 19:21:31 GMT

I did alost tried AMEX ...and it said'' We'll process your application as soon as possible and send you a decision within 14 days.'' it's not my day lol !

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 19:38:34 GMT

Thats annoying! Amex has a website that you can check the status of, they may request 4506-T copy of tax returns, that is what they did for me. I refused because of security concerns but others have reported getting approved after they complied with this request.

Re: Applying advice

azguy13 — Sun, 27 Nov 2016 19:42:19 GMT

@Anonymous wrote:
Thats annoying! Amex has a website that you can check the status of, they may request 4506-T copy of tax returns, that is what they did for me. I refused because of security concerns but others have reported getting approved after they complied with this request.

Did you have any AMEX accounts that they AA'd after you refused to send in the 4506-T? I've heard of them closing accounts after refusal.

Re: Applying advice

Anonymous — Sun, 27 Nov 2016 19:49:03 GMT

I had Amex accounts at the beginning of this year that I collected a lot of MR from the sign up bonuses. I closed them right after I got the points, so when I applied I did not have any active accounts. I do not falsify income on applications, and would happily provide pay stubs, but when a lender is so inflexible that they demand to perform a full prostate exam (tax returns), IMO they are not worth doing business with.

Re: Applying advice

azguy13 — Sun, 27 Nov 2016 21:59:32 GMT

Oh I understand. I just know they have a tendency to AA when someone refuses. Typically I don't think they ask for it until around $27k or so in CL.

Re: Applying advice

Anonymous — Mon, 28 Nov 2016 00:07:32 GMT

They didn't ask me for anything and even their website says wait for 24 hours . Will see what happens i just have this theory -if approved then just approved no waiting or nothing since i have never had an AMEX before .

Re: Applying advice

comingthisway — Mon, 28 Nov 2016 02:09:21 GMT

Did you get any emails from them? They showed me the same wait message but then emailed me the next day asking for address and SSN information. I was given the option of providing that information online or via a phone call.